Call reports 2018
GOLDEN BELT BANK, FSA — 2018
What GOLDEN BELT BANK, FSA reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 236,324,000 | 231,370,000 | 235,450,000 | 235,008,000 |
| Total loans | 170,367,000 | 171,706,000 | 179,898,000 | 180,787,000 |
| Allowance for loan losses | 1,677,000 | 1,567,000 | 1,607,000 | 1,683,000 |
| Securities available for sale | 39,588,000 | 37,327,000 | 35,181,000 | 33,840,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,155,000 | 198,253,000 | 194,393,000 | 193,300,000 |
| Interest-bearing deposits | 163,425,000 | 161,118,000 | 158,246,000 | 156,995,000 |
| Noninterest-bearing deposits | 40,730,000 | 37,135,000 | 36,147,000 | 36,305,000 |
| Equity capital | 29,197,000 | 29,345,000 | 29,939,000 | 30,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,244,000 | 4,501,000 | 6,911,000 | 9,371,000 |
| Interest expense | 138,000 | 282,000 | 449,000 | 669,000 |
| Net interest income | 2,106,000 | 4,219,000 | 6,462,000 | 8,702,000 |
| Noninterest income | 525,000 | 1,059,000 | 1,681,000 | 2,229,000 |
| Noninterest expense | 1,714,000 | 3,721,000 | 5,451,000 | 7,231,000 |
| Provision for loan losses | 0 | 15,000 | 45,000 | 120,000 |
| Pretax income | 917,000 | 1,542,000 | 2,647,000 | 3,580,000 |
| Income tax | 29,000 | 61,000 | 98,000 | 115,000 |
| Net income | 888,000 | 1,481,000 | 2,549,000 | 3,465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,679,000 | 25,757,000 | 26,827,000 | 27,134,000 |
| Total capital | 27,356,000 | 27,324,000 | 28,434,000 | 28,817,000 |
| Risk-weighted assets | 186,213,000 | 193,093,000 | 202,932,000 | 202,556,000 |